Does car insurance cover pets?

If you're wondering whether or not car insurance covers pets, know that only Progressive, Metromile, and Erie explicitly offer car insurance that covers pets. In some cases, since pets are considered property, the other party's liability coverage should cover injuries to your pet if you are not at fault in an accident. Consider getting separate pet insurance if you are worried about your pet's safety while in your vehicle.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jul 22, 2021

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The Highlights

  • Not all car insurance companies offer pet coverage.
  • If you’re not at fault in an accident, the other party’s property damage liability coverage should cover injuries to your pet.
  • Consider buying separate pet insurance if your current car insurance provider doesn’t offer pet coverage.

It’s important to know what is covered in a car insurance policy when you compare car insurance quotes online. For example, you may want to make sure your insurance covers passengers. But what if that passenger is an animal? Does car insurance cover pets?

If you regularly bring your cat or dog with you when you drive, or even if you’re just moving into a new home, you’ll want to make sure they’re covered in the event of an accident. These days, pets are like one of the family. Don’t you want to make sure they’re safe?

Keep reading below to learn if car insurance covers pets, which companies offer pet coverage, and how to drive safely with your pet. Then enter your ZIP code into our free comparison tool above to find affordable pet car insurance coverage near you.

Are pets covered under auto insurance?

Now, to answer our main question: does auto insurance cover pets? Fortunately, several car insurance companies offer pet coverage even though it isn’t a typical insurance policy. 

 Some companies may include pets as part of property damage coverage, so you should call your provider and check your insurance policy beforehand to be safe.

Even companies that do offer pet coverage typically only cover cats or dogs. More exotic animals like birds or reptiles will usually not be covered. Consider investing in separate pet insurance coverage to make sure your animal is covered if they are injured or killed.

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Which car insurance companies offer pet coverage?

According to our research, Progressive, Metromile, and Erie are the only car insurance companies that explicitly offer pet injury coverage as part of their car insurance policies. Pet coverage is typically included as part of each company’s collision coverage.

Both Progressive and Metromile cover up to $1,000 in damages and vet bills if your cat or dog is injured in a car accident. Erie offers $500 per dog or cat, with a coverage limit of $1,000. You can read more about Progressive’s policies in our Progressive insurance review.

Companies like Allstate and GEICO offer pet health insurance coverage but they do not include pet coverage as part of their car insurance policies. However, if you bundle your pet health insurance with your car insurance policy you could get a discount.

If your current provider doesn’t offer pet auto insurance coverage, compare car insurance quotes from other companies to find one that does. We recommend you compare car insurance rates from at least three different companies to find the best deal.

How can I keep my pet safe while driving?

If you are driving with your pet in the car, it’s important to ensure your pet does not distract you from driving.

According to the Los Angeles Times, tens of thousands of car accidents are believed to be caused every year by unrestrained pets. In fact, eight states now have laws on the books that require your dog to be in a canine-specific harness when in a vehicle.

Consider investing in a pet harness to make sure your pet is restrained while you’re driving. Not only will this prevent your cat or dog from distracting you, but it will also keep them safe in the event of an accident just as a child seat would protect your baby.

Now that we’ve answered the question, “does car insurance cover pet damage?” start shopping for a policy today. Enter your ZIP code into our free comparison tool below to buy pet car insurance coverage from providers in your area.

Are you looking for free insurance quotes?

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